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City · 34,620 residents · Manitowoc County, Wisconsin

Manitowoc , Wisconsin

In Manitowoc, a typical home is worth $160,700 and typical rent is $804 a month. Compared with all of Manitowoc County, the typical home value is 14% lower, typical household income is 8% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $160,700

    14% below the county

    40% below Wisconsin

    • Manitowoc
    • County
    • Wisconsin

  • Typical rent

    $804a month

    About the same as the county

    26% below Wisconsin

    • Manitowoc
    • County
    • Wisconsin

  • Typical household income

    $63,757a year

    8% below the county

    18% below Wisconsin

    • Manitowoc
    • County
    • Wisconsin

  • Households that own their home

    68%

    10 points below the county

    About the same as Wisconsin

    • Manitowoc
    • County
    • Wisconsin

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$242,050
4.7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Manitowoc is in Manitowoc County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Manitowoc County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Manitowoc apart

What this place has that others do not, from public data, most unusual first.

  1. Manitowoc has the 10th lowest typical rent of the 154 cities in Wisconsin with more than 5,000 people ($804).

  2. Manitowoc has the 11th lowest typical home value of the 156 cities in Wisconsin with more than 5,000 people ($160,700).

  3. 68% of households in Manitowoc own their home, against 77% in Manitowoc County.

  4. Manitowoc has the 13th smallest share of rent-burdened renters of the 141 cities in Wisconsin with more than 5,000 people (32%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Manitowoc

What homes there are in Manitowoc, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Manitowoc, but it weighs less than in Manitowoc County: 62% against 74%.

Year built

In Manitowoc, half of the homes were built before 1959; in Manitowoc County, before 1964.

Homes in Manitowoc are smaller: 57% have 3 bedrooms or more; in Manitowoc County, 66%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 99% of owner-occupied homes in Manitowoc are worth less than $500,000, below the FHA loan limit for Manitowoc County ($541,287).

Monthly rent with utilities

About 77% of rented homes in Manitowoc cost less than HUD's 2-bedroom fair market rent for Manitowoc County ($1,014).

With a mortgage

$1,134 a month

Manitowoc County: $1,266 a month

Without a mortgage

$476 a month

Manitowoc County: $530 a month

Owners with a mortgage

58%

Manitowoc County: 54%

In Manitowoc, 58% of owners have a mortgage, and their typical cost is $1,134 a month, against $1,266 in Manitowoc County. Without one it drops to $476.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Manitowoc rose 50%; in Manitowoc County, it rose 44%.

Rents in Manitowoc rose at about the same pace as in Manitowoc County: 21% since 2015–2019, against 19%.

The typical household income in Manitowoc rose 33% over that time; home values changed +50% and rent +21%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureManitowocManitowoc CountyWisconsinUnited States
Rental vacancy 8.2%6.1%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room Unreliable estimate1.5%1.7%3.4%
People per household 2.222.282.332.53
Drive alone 81%81%74%69%
Carpool 8%7%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%3%3%3%
Work from home 7%8%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

There is more rental housing open in Manitowoc: 8.2% is empty and offered for rent, against 6.1% in Manitowoc County.

A household in Manitowoc has 2.22 people on average, about the same as in Manitowoc County (2.28).

The car rules in Manitowoc: 81% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Manitowoc?

A typical home is within reach of the typical income

We start with a typical home in Manitowoc, worth $160,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Manitowoc, which is $63,757 a year.

The calculator's FHA and conventional loan limits are those of all of Manitowoc County.

Your numbers

Local data
$

Starts at the typical home value in Manitowoc. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,625 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,413

at 7.18% · 30 years

Loan amount
$157,789
Total interest
$227,021
Paid off in
November 2056

Includes $2,714 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,488 a month

    Your payment · 27%

  • Tight

    $1,488 to $1,913 a month

  • Hard

    more than $1,913 a month

Compared with the typical household income in Manitowoc ($63,757 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,413
Principal & interest$1,069
Property tax$206
Home insurance$67
FHA mortgage insurance (MIP)$71

You need at least $5,625 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Manitowoc and Manitowoc County

Manitowoc is in Manitowoc County, Wisconsin. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Manitowoc's own numbers

Typical home value
$160,700
Typical monthly rent
$804
Typical yearly household income
$63,757
Households that own their home
68%
Effective property tax rate
1.54%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Manitowoc County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+74%
Homes in a high flood-risk zone
0.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Manitowoc County.

Everything about Manitowoc County

Buying

Buying a home in Manitowoc

A typical home in Manitowoc is worth $160,700: 14% below the county and 40% below Wisconsin. With the typical household income in Manitowoc ($63,757 a year), a typical home costs 2.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Manitowoc 2.5 years
  • County 2.7 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Manitowoc County

According to FHFA’s house price index, home prices in Manitowoc County rose 110% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Manitowoc County.

Period County Wisconsin U.S.
Last year (2025) +5.4% +5.4% +2.9%
5 years (2020–2025) +74% +57% +47%
10 years (2015–2025) +110% +96% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Manitowoc next to Manitowoc County, Wisconsin and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Manitowoc $160,700
  • County $186,900
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Manitowoc $804
  • County $797
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Manitowoc $63,757
  • County $69,148
  • Wisconsin $77,485
  • United States $80,734
See the full table
Manitowoc next to Manitowoc County and Wisconsin
Measure Manitowoc Manitowoc County Wisconsin U.S.
Typical home value $160,700 $186,900 $266,500 $332,700
Typical monthly rent $804 $797 $1,087 $1,413
Typical yearly household income $63,757 $69,148 $77,485 $80,734
Households that own their home 68% 77% 68% 65%
Typical yearly property tax $2,471 $2,695 $3,792 $3,119
Effective property tax rate 1.54% 1.44% 1.42% 0.94%
Renters with high rent for their income 32% 31% 44% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Manitowoc County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Manitowoc

For a typical $160,700 home in Manitowoc, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Manitowoc's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,413a month

    Least cash to close
    Down payment
    $5,625
    Cash to close
    $10,446
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $71

  • Conventional, 5% down $1,384a month

    Down payment
    $8,035
    Cash to close
    $12,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $76

  • Conventional, 20% down, no PMI $1,144a month

    Down payment
    $32,140
    Cash to close
    $36,961
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,293a month

    Down payment
    $24,105
    Cash to close
    $28,926
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Manitowoc and for Manitowoc County.

Property tax

Effective rate in Manitowoc

1.54%of the home’s value each year

$2,471 a year for the typical owner in Manitowoc.

  • Manitowoc 1.54%
  • County 1.44%
  • Wisconsin 1.42%

What Wisconsin publishes Lottery and Gaming Credit for your primary residence (Wisconsin Department of Revenue)

Exemptions and deadlines in Wisconsin

Flood risk in Manitowoc County

FEMA does not publish these numbers by city: they are for all of Manitowoc County.

Homes in the high-risk zone
0.5%
162
Of those, with NFIP insurance
22%
County Wisconsin U.S.
Homes in the high-risk zone 0.5% 1.4% 3.5%
Of those, with NFIP insurance 22% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Manitowoc

Typical rent in Manitowoc is $804 a month: about the same as the county. In Manitowoc, 32% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Manitowoc County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Manitowoc County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $770 $14.81 $30,800
1 bedroom $775 $14.90 $31,000
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,208 $23.23 $48,320
4 bedrooms $1,333 $25.63 $53,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Manitowoc

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Manitowoc is in ZIP code 54220.

For 2 bedrooms it is $1,010: $4 less than the fair market rent for Manitowoc County ($1,014).

  • 54220 $1,010$1,210

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Manitowoc when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Manitowoc

HUD lists 13 buildings with rents for lower incomes in Manitowoc. These are the largest.

  • Southfield Townhouses 2502 S 21st St, Manitowoc 54220 100 low-income homes · For families (920) 682-0851
  • Manitou Manor 1433 N 6th St, Manitowoc 54220 102 homes, 99 low-income · Run by Manitowoc Housing Authority · Average payment: $417 a month · Average wait: 3 months (920) 684-5865
  • Parkview Haven 1325 N 8th St, Manitowoc 54220 90 low-income homes · For older adults (920) 682-8628
  • Yorkshire Apts 3315 Yorkshire Ln, Manitowoc 54220 56 low-income homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 24 · In service since 1997
  • Garfield Gardens 2000 Clark St, Manitowoc 54220 45 homes, 44 low-income · For people with disabilities (920) 684-0275

See all 26 buildings in Manitowoc County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Manitowoc

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Manitowoc County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Manitowoc

No down payment, repair or rent-help program on our list is for Manitowoc or Manitowoc County. The ones below are statewide in Wisconsin: they work in Manitowoc the same as in the rest of the state.

Which programs do I qualify for? All programs in Wisconsin

  • WHEDA Easy Close Advantage DPA

    Statewide in Wisconsin

    Wisconsin state agency second mortgage for the down payment: up to 6% of the price, over 10 years with a monthly payment and the same rate as the WHEDA first mortgage. Offered by Wisconsin Housing and Economic Development Authority (WHEDA).

    Repayable

    See the program Official page

  • WHEDA Capital Access DPA

    Statewide in Wisconsin

    Limited funds remain, per the source

    $7,500 loan from the Wisconsin state agency for the down payment and closing costs, over 30 years, at 0% and with no monthly payments, alongside a WHEDA mortgage; limited funds, first come, first served. Offered by Wisconsin Housing and Economic Development Authority (WHEDA).

    Deferred

    See the program Official page

Housing counselors near Manitowoc

The HUD-approved agencies closest to the center of Manitowoc, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • CCCS of Sheboygan

    1930 N 8th St, Sheboygan · 23 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (920) 458-3784

  • Catholic Charities Diocese of Green Bay

    1825 Riverside Dr, Green Bay · 32 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (920) 272-8234

  • Neighborworks Green Bay

    437 S Jackson St, Green Bay · 33 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (920) 448-3075

All counseling agencies in Wisconsin

Help in Spanish near Manitowoc

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Manitowoc

HUD’s record names them for Manitowoc or Manitowoc County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

One other authority has an office in Manitowoc County: see the list Source: HUD

Cities

Other cities in Manitowoc County

These cities are also in Manitowoc County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Manitowoc County Housing in Wisconsin

Nearby cities

The cities closest to Manitowoc, with the typical home value.

Neighboring counties

If Manitowoc County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Manitowoc.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Manitowoc

Short answers with the numbers for Manitowoc and all of Manitowoc County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Manitowoc?

The typical home value in Manitowoc is $160,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Manitowoc County it is $186,900.

How much does it cost to rent in Manitowoc?

Typical rent in Manitowoc is $804 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Manitowoc County is $1,014.

What is the FHA loan limit in Manitowoc?

Manitowoc uses the FHA limit for all of Manitowoc County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Manitowoc?

The typical homeowner in Manitowoc pays $2,471 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Manitowoc County, the rate is 1.44%.

Where can I find free help to buy or rent in Manitowoc?

We found no HUD-approved counseling agencies with an office in Manitowoc County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).